Welcome Bonus

New American Express AIR MILES Reserve Credit Card Cardmembers get a bonus of 2,400 AIR MILESreward miles when you charge a total of $3,000 in purchases to your Card within your first three months of Cardmembership1.

New American Express AIR MILES Platinum Credit Card Cardmembers get a bonus of 2,000 AIR MILES reward miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership2.

New American Express AIR MILES Credit Card Cardmembers get a bonus of 500 AIR MILES reward miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership3.

That’s enough for two select flights4

That’s enough for a select flight4

So you can reach your next reward sooner.

Annual Fee

$299

(preferred rate for purchases is 19.99% and funds advances is 22.99%)*

Supplementary Cards are an additional $50 each annually5

$65

(preferred rate for purchases is 19.99% and funds advances is 22.99%)*

Supplementary Cards are free6

No annual fee

(preferred rate for purchases is 19.99% and funds advances is 22.99%)*

Supplementary Cards are free6

All the ways to earn

Take full advantage of your earning potential. Use an American Express AIR MILES Credit Card in combination with your AIR MILES Collector Card and you can earn reward miles twice.

1 : $10

Get 1 reward mile for every $10 in Card purchases at AIR MILES Sponsors7

1 : $10

Get 1 reward mile for every $10 in Card purchases at AIR MILES Sponsors8

1 : $15

Get 1 reward mile for every $15 in Card purchases at AIR MILES Sponsors9

1 : $10

Get 1 reward mile for every $10 in Card purchases at grocery stores, gas stations, and drugstores in Canada7

1 : $10

Get 1 reward mile for every $10 in Card purchases at grocery stores, gas stations, and drugstores in Canada8

—

1 : $15

Get 1 reward mile for every $15 in Card purchases everywhere else7

1 : $15

Get 1 reward mile for every $15 in Card purchases everywhere else8

1 : $20

Get 1 reward mile for every $20 in Card purchases everywhere else9

Plus, when you give a Supplementary Card to someone special, you’ll be getting reward miles for all of their purchases – bringing you to your next reward sooner.

Optional Balance Transfer Offer

Enjoy a special 1.99% introductory interest rate on Balance Transfers for the first 6 months** if you choose to transfer your other credit card balances to this American Express card. It’s an easy way to save money on interest if you choose to carry a balance and you make your minimum payments on time.
You can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less. There is no balance transfer fee for this offer.
Balance Transfer option is only available at the time of online application.

Flight Rewards and more

American Express Invites® 12

For our Cardmembers, American Express Invites® 12 including Front Of The Line®12 opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and the first to go!

A new way to pay

Apple Pay is a new way to pay with an American Express AIR MILES Credit Card using your eligible Apple devices‡.

You can now use an eligible13 American Express AIR MILES Credit Card with Apple Pay to pay for your purchases at participating American Express contactless merchants14.

Key Benefits

Exclusive to Reserve

AIR MILES®* FlexFly15TM*¤◊

Through AIR MILES FlexFly Redemptions, you have access to additional airlines and destinations, departure times, and economy, business and first class seats on flights not available within the AIR MILES Flight Program.

Exclusive Annual Companion Flight Benefit16¤◊

Once a year, when you redeem for any flight reward within the AIR MILES®* Flight program, you can receive a Companion Flight, up to a maximum of 1,700 reward miles, for your companion to travel with you for the same itinerary (offer excludes service charges if applicable and taxes).1‡ If your flight requires more than 1,700 reward miles, you can use reward miles from your AIR MILES®* Dream Balance to pay the additional miles needed to use the Companion Flight Benefit.

Redeem reward miles for flight taxes and fees¤

You can redeem your reward miles to pay for taxes and fees payable at time of booking on your flight redemptions¤

Four complimentary visits per year to Priority Pass Worldwide Lounges17

Access to AIR MILES Business Class Seats18¤

For more comfort and choice, you can have the option to redeem for available Business Class seats.

Waived AIR MILES Flight Administration Fee

When you redeem for a flight either online or through the AIR MILES Concierge team, the American Express AIR MILES Reserve Credit Card is the only AIR MILES Credit Card that will waive the AIR MILES flight administration fee payable at time of booking, making your redemption that much sweeter.

Toronto Pearson Priority Security Lane19

Once you’re inside the terminal, you can expedite your way through security by simply presenting your American Express AIR MILES Reserve Credit Card and valid boarding pass to access the Pearson Priority Security Lanes in Terminal 1 and Terminal 3.

Exclusive AIR MILES Concierge Service

AIR MILES Concierge Specialists will be pleased to help you book flights for AIR MILES FlexFly™*15¤◊ Redemptions, help you take advantage of your annual exclusive Companion Flight Benefit16¤◊, and offer you personalized travel planning.

Your ticket to the World of Onyx™ - Receive automatic Onyx™ status21

Other Card Benefits

Emergency Card Replacement

It doesn’t matter how your Card was lost, give us a call any time, day or night, and we’ll arrange to get you a new one as soon as possible, wherever you are.

Online Account Management

With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.

24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need, big or small, wherever you are in the world.

It doesn’t matter how your Card was lost, give us a call any time, day or night, and we’ll arrange to get you a new one as soon as possible, wherever you are.

Online Account Management

With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.

24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need, big or small, wherever you are in the world.

It doesn’t matter how your Card was lost, give us a call any time, day or night, and we’ll arrange to get you a new one as soon as possible, wherever you are.

Online Account Management

With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.

24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need, big or small, wherever you are in the world.

Insurance-Related Benefits

Emergency Medical Insurance22† (Out of province/country)

Provides coverage for eligible emergency medical expenses incurred while travelling outside your Canadian province or territory of residence, for the first 15 consecutive days of each trip for all insured persons under the age of 65.

$100,000 Travel Accident Insurance23†

Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your American Express AIR MILES Reserve Credit Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.

Car Rental Theft and Damage Insurance24†

Save money when travelling with Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your American Express AIR MILES Reserve Credit Card. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.

Lost or Stolen Baggage Insurance25†

When you fully charge your airline tickets to your American Express AIR MILES Reserve Credit Card you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.

Flight Delay Insurance25†

Charge your airline ticket to your American Express AIR MILES Reserve Credit Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items.

Baggage Delay Insurance25†

Book a flight with your American Express AIR MILES Reserve Credit Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases.

Hotel/Motel Burglary Insurance25†

Charge your Hotel/Motel arrangements to your American Express AIR MILES Reserve Credit Card and receive automatic coverage of up to $500 against the loss of most personal items if your hotel/motel is burglarized.

Buyer’s Assurance® Protection Plan26†

Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your American Express AIR MILES Reserve Credit Card.

Purchase Protection® Plan27†

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your American Express AIR MILES Reserve Credit Card.

Fraud Protection Guarantee28

Use your Credit Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN.

Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your American Express AIR MILES Platinum Credit Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.

Car Rental Theft and Damage Insurance24†

Save money when travelling with Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your American Express AIR MILES Platinum Credit Card. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.

Buyer’s Assurance® Protection Plan26†

Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your American Express AIR MILES Platinum Credit Card.

Purchase Protection® Plan27†

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your American Express AIR MILES Platinum Credit Card.

Fraud Protection Guarantee28

Use your Credit Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.

Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your American Express AIR MILES Credit Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.

Buyer’s Assurance® Protection Plan26†

Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your American Express AIR MILES Credit Card.

Purchase Protection® Plan27†

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your American Express AIR MILES Credit Card.

Fraud Protection Guarantee28

Use your Credit Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.

Card Comparison Chart

Features

The American Express AIR MILES Reserve Credit Card

The American Express AIR MILES Platinum Credit Card

The American Express AIR MILES Credit Card

Welcome Bonus

New American Express AIR MILES Reserve Credit Card Cardmembers get a bonus of 2,400 AIR MILES reward miles when you charge a total of $3,000 in purchases to your Card within your first three months of Cardmembership1.

New American Express AIR MILES Platinum Credit Card Cardmembers get a bonus of 2,000 AIR MILES reward miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership2.

New American Express AIR MILES Credit Card Cardmembers get a bonus of 500 AIR MILES reward miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership3.

Card Type

Credit Card

Credit Card

Credit Card

Annual Fee

$299
(preferred rate for purchases is 19.99% and funds advances is 22.99%)*

$65
(preferred rate for purchases is 19.99% and funds advances is 22.99%)*

Footnotes

*Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 22.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

‡Apple Pay works with iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus running on iOS 9 and above or an Apple Watch that is paired with an iPhone 5, 5c, 5s, 6, 6s, 6 Plus or 6s Plus. For a list of other compatible Apple Pay devices see apple.com/apple-pay.

¤ All Rewards offered are subject to the Terms and Conditions of the AIR MILES®* Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES®* reward miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. For complete details, visit airmiles.ca or call the AIR MILES®* Customer Care Centre at 1-888-AIR-MILES (in Toronto (416) 226-5171). For an AIR MILES reward mile balance update, a new or replacement AIR MILES Collector Card or redemption information please visit airmiles.ca.

**Offer only available to new Cardmembers. Cardmembers who currently hold a card by Amex Bank of Canada are ineligible for this offer. Offer is subject to approval up to an amount of $7,500 or 50% of your assigned credit limit, whichever is less. A balance transfer made at the time of application is eligible for a special interest rate of 1.99% for the first 6 billing periods, provided you meet the eligibility criteria specified in the offer terms and conditions and provided further that we always receive your minimum monthly payments by the date of the next billing statement. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you do not make your minimum monthly payments by the date of the next billing statement (a "Missed Payment"), any remaining balance owing in relation to the balance transfer will be subject to interest at the rate then in effect for Funds Advances. The Preferred Rate for Funds Advances is currently 22.99% and will increase if you have additional missed payments. There is no balance transfer fee for this offer. Please see the Product Information box on your online application for complete details on fees and interest rates.

◊ These exclusive benefits are available when you redeem using the reward miles in your AIR MILES Dream Balance.

1. Bonus – This offer is only available to new American Express AIR MILES Reserve Credit Card Cardmembers. For current or former American Express AIR MILES Reserve Credit Card Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Offer valid for applications received by American Express through the link provided within the webpage. Account must be in good standing. Offer subject to change. To qualify for the 2,400 Bonus AIR MILES reward miles, you must have at least $3,000 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the bonus to be awarded to your Collector Account. This offer cannot be combined with any other offer.

2. Bonus - This offer is only available to new American Express® AIR MILES®* Platinum Credit Card Cardmembers. For current or former American Express® AIR MILES® Platinum Credit Card Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Offer valid for applications received by American Express through the link provided within the webpage. Account must be in good standing. To qualify for the 2,000 Bonus AIR MILES reward miles, you must have at least $1,500 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the bonus to be awarded to your Collector Account. This offer cannot be combined with any other offer. Subject to change without notice.

3. Bonus - This offer is only available to new American Express® AIR MILES®* Credit Card Cardmembers. For current or former American Express® AIR MILES®* Credit Card Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Offer subject to change. Account must be in good standing. To qualify for the 500 Bonus AIR MILES reward miles, you must have at least $500 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the bonus to be awarded to your Collector Account. This offer cannot be combined with any other offer. Subject to change without notice.

4. Select Flight – A select flight is a return flight with origin and destination within the same province and having a departure date during the low season of Jan 8-Feb 28; Apr 1-May 31; Sept 16-Dec 15 (excluding NWT, Yukon and Nunavut). Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Center at 1-888-AIR MILES (in Toronto (416)226-5171).

5. Supplementary Cards – Maximum of 9 Supplementary Cards. Account must be in good standing. Supplementary Card applicant must be the age of majority. Supplementary Cards do not have access to the annual Companion Flight Benefit and Priority Pass Worldwide Lounge Access.

6. Supplementary Cards – No annual fee for Supplementary Cards. Must be age of majority. Maximum 9 Supplementary Cards per account.

7. Standard Earn Rates (American Express AIR MILES Reserve Credit Card) – You can earn AIR MILES Reward Miles for eligible retail purchases at American Express merchants in Canada as follows:

1 Reward Mile for every $10 at (i) stand-alone gasoline stations for automobiles, (ii) stand-alone grocery stores, and (iii) stand-alone drugstores. Purchases at merchants where gas, grocery and pharmacy sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) and purchases at sponsors do not qualify for the earn rate in this category.

1 Reward Mile for every $15 of other card purchases.

Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 Reward Mile for every $15 applies if the merchant code is not in an eligible category or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Provided your account is in good standing, Reward Miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn Reward Miles.

8. Standard Earn Rates (American Express AIR MILES Platinum Credit Card) – You can earn AIR MILES Reward Miles for eligible retail purchases at American Express merchants in Canada as follows:

1 Reward Mile for every $10 at (i) stand-alone gasoline stations for automobiles, (ii) stand-alone grocery stores, and (iii) stand-alone drugstores. Purchases at merchants where gas, grocery and pharmacy sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) and purchases at sponsors do not qualify for the earn rate in this category.

1 Reward Mile for every $15 of other card purchases.

Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 Reward Mile for every $15 applies if the merchant code is not in an eligible category or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Provided your account is in good standing, Reward Miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn Reward Miles.

9. Account must be in good standing. AIR MILES Reward Miles will be earned on the amount of all purchases, less credits and returns. Funds advances, interest, balance transfers, Amex Cheques, annual fees (if applicable), other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Reward Miles. Accelerated earn rate is available at Sponsors that are American Express merchants. Visit the Eligible Sponsor List at americanexpress.ca/airmilessponsors for details. List is subject to change without notice.

10. Examples are for illustrative purposes only. The number of reward miles shown is a starting amount only and may vary based on flight availability for chosen dates and destinations.

11. Redeem AIR MILES reward miles in the Cash balance of your AIR MILES Collector Account in-store in increments of 95 reward miles for $10 off your purchases at participating AIR MILES Sponsor locations to a maximum of $750 per day and online at airmiles.ca/cash in increments of 95 reward miles for every $10 value from participating AIR MILES eVoucher Partners to a maximum of $750 per day. eVouchers can be used at participating eVoucher Partners’ locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient reward miles in the Cash balance of your Collector Account in order to redeem reward miles towards in-store purchases and eVouchers. All rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.

12. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions, and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

13. Available on eligible cards. Eligible cards are active American Express Consumer, Small Business or Corporate Cards (excluding Corporate Purchasing Cards and. Corporate Meeting Cards) issued by Amex Bank of Canada. Prepaid cards and products (such as the American Express Gift Card) are not eligible.

14. With participating American Express contactless merchants and Apple Pay in app purchases on eligible devices. Transaction limits may apply.

15. FlexFly – Visit www.airmiles.ca to book an appointment or call 1 888 606 8888 to speak to an AIR MILES Concierge Specialist to review your flight options. You will have access to additional airlines, destinations, and departure times not available in the AIR MILES Flight Program. Flights can be booked in economy or business class. You can redeem AIR MILES reward miles for the full cost of your flight (including surcharges, fees and taxes) or use a combination of AIR MILES reward miles and pay the difference with your American Express Card. Economy and Business Class redemption options subject to availability. The AIR MILES reward mile redemption rate for an AIR MILES FlexFly™ redemption is 770 AIR MILES reward miles per $100.

16. Companion Flight Benefit – Once per year, based on the date your American Express AIR MILES®* Reserve Credit Card account was opened on our systems, when a Basic Cardmember redeems reward miles for one flight reward within the AIR MILES®* Flight Program, they can receive a Companion Flight up to a maximum of 1,700 AIR MILES®* reward miles for the same itinerary, excluding service charges and taxes. If the cost of the flight exceeds 1,700 AIR MILES®* reward miles, the Basic Cardmember can use reward miles from their AIR MILES®* Dream balance. Any additional miles required and applicable taxes and fees are payable by the Basic Cardmember. Subject to availability. The Companion Flight benefit cannot be used in conjunction with the AIR MILES®* FlexFly Benefit.

17. Priority Pass – American Express AIR MILES Reserve Credit Card Basic Cardmember(s) (“Cardmember”) may apply for a Priority Pass membership (“PP membership”). PP membership is subject to approval by Priority Pass Limited (“PPL”) and is not guaranteed. Unless cancelled or unused within the three year membership period, PP membership automatically renews on its membership anniversary date. PP membership may be cancelled by American Express if: (i) the Priority Pass benefit associated with the American Express AIR MILES Reserve Credit Card is changed or terminated, or (ii) the Cardmember’s American Express AIR MILES Reserve Credit Card is cancelled. PP membership includes access to any airport lounge participating in the Priority Pass Program. Participating lounges are owned and operated by independent third parties and their participation and/or facilities can change from time to time. To access a lounge, the Cardmember will need to show his/her valid Priority Pass card and an airline ticket for travel on the same day for the Cardmember and each of his/her guests. At their sole discretion, participating lounges may restrict entry of persons under 21 years old; please check restriction details for the individual lounges at www.prioritypass.com or your Priority Pass Directory provided by PPL. This membership provides four (4) complimentary visits per year, based on your PP enrollment date, to any of the participating lounges in the program. Cardmembers can apply complimentary visits towards accompanying guest visits. After your four (4) complimentary visits have been used, you may visit for a nominal fee of US$27 per person, per visit. Lounge access charges can be billed by PPL to the American Express AIR MILES Reserve Credit Card connected to the Cardmember’s PP membership upon PP’s receipt of notification from the lounge visited. All Cardmembers are subject to PPL’s terms and conditions for the Priority Pass Program and the individual lounge operators’ terms of use for the participating lounges visited. For complete PPL terms and conditions and a directory of participating lounge locations, please visit www.prioritypass.com. Amex Bank will share your information with Priority Pass for enrollment and membership maintenance purposes.

18. AIR MILES Business Class Seats – Subject to availability. Redemption for business class seats will require the use of additional AIR MILES reward miles. The reward miles required to redeem for a business class seat are subject to change and will be determined at the time of booking.

19. Pearson Priority Security Lane – Basic and Supplementary Cardmembers with a valid American Express AIR MILES Reserve Credit Card can access the Pearson Priority Security Lanes ("Priority Lane") during peak airport operating hours. The Priority Lanes are serviced by the Greater Toronto Airport Authority and will be available to eligible Cardmembers. Priority Lanes are located at select departure areas for domestic, transborder, and international flights departing from Terminal 1 and 3 at Toronto Pearson International Airport. Access to a Priority Lane is available to eligible Cardmembers departing from Terminal 1 and 3 and companions travelling on the same itinerary upon the presentation of a valid, unexpired eligible Card. The name on the Card must match the name on the boarding pass. All passengers departing Pearson International Airport, including those accessing the Priority Lane are required to comply with airport security and customs screening requirements. Priority Lane access is subject to change or cancellation at any time and additional terms and conditions apply.

21. American Express® AIR MILES®* Reserve Cardmembers enjoy automatic Onyx status as long as they remain Cardmembers. Requalification for Onyx status is based on Partner Onyx™* Status Designation or your annual collection of Miles. Partner Onyx™* Status Designation is determined by AIR MILES in its sole discretion. Onyx status terms are subject to the AIRMILES program terms and conditions and are subject to change. This is not an American Express program.

22. Emergency Medical Insurance (Out of province/country) - Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage provides for the eligible emergency medical expenses incurred while travelling outside your Canadian province or territory of residence for the first 15 consecutive days for all insured person under the age of 65.

23. Travel Accident Insurance is underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

24. Car Rental Theft and Damage Insurance – Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your eligible American Express AIR MILES Credit Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

26. Buyer’s Assurance® Protection Plan – When you charge the full price on eligible purchases to your eligible American Express AIR MILES Credit Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer’s Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

27. Purchase Protection® Plan – Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

28. Fraud Protection Guarantee – Use the American Express Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.

† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

®, TM: Used by Amex Bank of Canada under license from American Express.

®*, TM*: Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Amex Bank of Canada.